we see senator marco rubio being examined. also, phil gingrey in georgia. saul, from new york, on the independent line. caller: since 2008, when john mccain was running for president, republicans have been claiming that if they raise the capital gains taxes, which obama wanted to do, and dividends taxes 15%, that is going to hurt people and retirement plans. they have been scary people that way. elderly people right -- they have been scaring people that way. elie people right now, on their 401 k, everybody knows that when you take money out of the retirement plan, you pay ordinary income taxes. you don't get the 15% tax break that rich people get when they have been outside the retirement plan. nobody has been saying anything about it. no news media, no politicians, no democrats. i would like to hear what he says about that. guest: sure, saul. we have done a lot of fact checks on claims about taxes, and i would interview to go to our website, politifact.com, and then under truth-o-meter -- if it is a factual claim, we will check it. where it gets tricky, tw